Most people who have a reliable income can be qualified to have a health insurance cover. The health insurance cover can be provided by any reliable insurance company that has the capacity to offer this scheme to the public. Some of the insurance companies are specialized with health insurance schemes while others operate as general insurance companies, there is no limitation to the provision of this scheme. A person in business of any other freelance occupation can apply for the health insurance scheme independently for any of the services provider.

An employee of any institution can also apply for the scheme through his or her employer. Some employers have been accused of denying or limiting health insurance schemes services to their employees in a bid to cut down institutional expenses, which is unethical. In case of any medical treatment services sought, the expenses are deducted from the cost cover of the health insurance scheme. Dependants of clients are also covered by the scheme.